97304 — Yamhill County, Oregon Market Snapshot
Housing market data for zip code 97304 in Yamhill County, Oregon. Updated monthly with median prices, days on market, and more.
Market Sales Data
92 sales in 2026 (year to date)
Median Sale Price
$513,000
Days to Sell
68
Homes Sold
92
Inventory
165
Sale-to-List
98.9%
New Listings
168
Price/SqFt
$252
Pending Sales
127
Conforming Loan Available
Most homebuyers in 97304 can comfortably use conventional financing. The median home price of $513,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 68 days on average, 97304 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 97304 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 97304 can comfortably use conventional financing. The median home price of $513,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 97304 are set at the county level.
2026 Loan Limits — Yamhill County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $701,500 |
| 2 Units | $1,066,250 | $898,050 |
| 3 Units | $1,288,800 | $1,085,550 |
| 4 Units | $1,601,750 | $1,349,050 |
Affordability Snapshot — Zip 97304
To purchase the median home at $513,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,080.
Monthly Payment
$4,080
Income Required
$174,876
Principal & Interest
$3,161/mo
Down Payment (5%)
$25,650
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 97304.
Estimated Monthly Payment
$3,325
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